Integrated Account offers you Hong Kong Dollar Savings(1), Renminbi and Foreign Currency Savings, Time Deposits, Hong Kong Dollar Current(1) and Statement Gold Accounts as well as all other types of deposits in one integrated account. Every month, you will receive one consolidated statement of your monthly account balance, transfers, payments, withdrawals and investments for an at-a-glance summary of your entire portfolio.

Investment opportunities are everywhere! Now there is more than one channel for you to perform local securities trading. You can do so via our Hang Seng Personal e-Banking, Automated Securities Trading Hotline, Manned Securities Trading Hotline and designated Hang Seng Bank branches to grasp every investment opportunity. In addition, Hang Seng Personal e-Banking offers an array of investment tools, such as order watching services, real time quote service, market commentaries, and so on. With more information at your fingertips, you can manage your investments matters with more ease.

We provide an array of funds to suit investment needs of different customers. In addition to Hang Seng Bank branches and Phone Banking services, Hang Seng Fund SuperMart offers one-stop investment funds services. Simply logon to Hang Seng Personal e-Banking and select Investment Funds, whether you are searching for the latest information, subscribe, redeem, or switch fund units, or make account balance enquiries, you can manage them all online with ease. Integrated Account customers can enjoy offer for deduction in Investment Funds subscription fees(2).

Insurance Services

At Hang Seng, we are dedicated to providing you with a comprehensive range of personal life and general insurance services that minimises your financial loss when the unexpected strikes, and at the same time meets your financial needs at different stage of your life.

Comprised Secured and Unsecured Overdraft Facilities for your choice. Both offer you extra standby cash to meet any urgent need or realise your investment goals. In addition, you will receive up to HKD3,500 of No-Bounce Cheque/Autopay Protection for extra peace of mind(4).

AutoSweeping Service(5)

If your Hong Kong Dollar Current Account under the Integrated Account is overdrawn or the line of credit is exceeded, we will automatically transfer the required funds from the Hong Kong Dollar Savings Account to the Current Account(6) in your Integrated Account on the following business day. This service is applicable to a daily total overdraft /excess amount of HKD20,000 or below, giving you greater ease and flexibility in handling your finances and saving your unnecessary interest expenses.

Currency Switching Service(7)

Through Hang Seng Personal e-Banking or branches, you can set foreign currency buy/sell instructions and when your pre-set criteria are met, the Currency Switching instructions will be executed. Capturing opportunities on trading and investment can never be easier.

(4)To enjoy this protection, the customer has to maintain an average daily Total Relationship balance of HKD10,000 or above over the previous month and subject to other terms and conditions set by the Bank. Unauthorised overdraft handling fee of HKD120 will be charged and interest is calculated using prevailing unauthorized overdraft interest rate. For details, please refer to the relevant Service Directory.

(5)If the customer's HKD Current Account is overdrawn or the line of credit is exceeded (subject to a daily total overdraft/excess amount of HKD20,000 or below), the required funds will be transferred automatically on the next business day from his/her HKD Savings Account under his/her Integrated Account to his/her HKD Current Account. This service is free of charge. If the customer does not wish to enjoy this service, he/she should call 2822 0228 or visit any of our branches to request for cancellation of the service.

(6)Only applicable to fund transfers from Hong Kong Dollar Savings Account to Hong Kong Dollar Current Account in the same Integrated Account and subject to the available balance of that savings account.

(7)For details of the Currency Switching Service and relevant terms and conditions, please refer to the Currency Switching Service leaflet and Integrated Account Terms and Conditions.

(8)Credit Card Principal Card applicants must be Hong Kong residents aged 18 or above. If the customer is an existing Hang Seng Integrated Account Service customer, customer can enjoy Perpetual Annual Fee Waiver for one Hang Seng Credit Card. Supplementary Card customers can enjoy the same annual fee waiver as the Principal Card customers when applied for at the same time. If a customer holds more than one Hang Seng Credit Card, the perpetual annual fee waiver will be applicable to the one of the credit cards with the highest annual fee only (including Hang Seng Platinum Card, if applicable), but is not applicable to Visa Infinite, World MasterCard, Commercial Card, Business Card, Corporate Card, USD Visa Gold Card and Private Label Card (all paid annual fees will not be refunded).

(9)Customer must fulfill the relevant requirements from time to time specified by the Bank in order to enjoy the welcome gift offered from time to time (if applicable). For details of the terms and conditions, please refer to the relevant promotional leaflet.

(10)Net worth includes deposits, investment funds and securities held at the Bank, and the calculation of investment funds and securities is subject to bank policy.

(11)Subject to final review by the Bank and the Bank reserves the final right to revoke the priority approval offer at its discretion.

Risk Warning

Investors should note that all investment involves risks. Prices of investment products may go up as well as down and may even become valueless. Investors should not only base on this marketing material alone to make any investment decision, but should read in detail the offering documents and the Risk Disclosure Statement of the relevant investment products.

Hang Seng Bank Limited (the "Bank") reserves the right to suspend, vary or discontinue any promotion offers and services at anytime without further notice. The Bank also reserves the right to revise any interest rates, fees and charges from time to time subject to the Bank's notice for any such variation. In case of dispute, the decision of the Bank shall be final.

Please refer to the terms and conditions of respective products and services for details.